Cheddar Payments Limited

Reference number: 940075

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When cheddar.me first appeared online, and whether it can receive email
  • What kind of line 020 3389 8703 is
  • Who else gives the postcode W12 7FR
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Cheddar Trading name
  • Cheddar.me Trading name
  • Dutch Trading name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (2 permissions)
  • 7. Payment initiation services
  • 8. Account information services

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
12895809
Company status
Active
Company type
Private limited company
Incorporated
22 September 2020 (6 years old)
Registered office
Floor 7, 2 Television Centre, 101 Wood Lane, London, W12 7FR, England
Nature of business
  • Business and domestic software development (SIC 62012)

Directors and company secretaries

Name Role Born Appointed Other companies
Tariq Mohamed Zaid Director Apr 1981 22 Sep 2020 None
Luke Anthony Ladyman Director Nov 1986 1 Jan 2025 3 other companies

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
3
still active
3

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Total equity

£652k

No earlier figure to compare

Cash at bank

£213k

+68% from £127k

Owed within a year

£429k

−50% from £862k

* Cash at bank usually includes customers’ money.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 12895809. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Cheddar Payments’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2021

27 July 2021

  • Regulated by the FCA from this date
  • Became an authorised payment institution

FCA register

2020

22 September 2020

  • Incorporated at Companies House
  • Cheddar Payments B.V. took control (75–100% of shares)
  • Luke Anthony Ladyman took control (75–100% of shares)
  • Tariq Mohamed Zaid gained 25–50% of the votes

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Cheddar Payments

Other FCA-listed firms that share a director, phone number or address with Cheddar Payments. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Cheddar Payments

Other firms of the same type (payment or money transfer firm), nearest first.

In London

Uber Payments UK LimitedLondonAuthorisedWise Payments LimitedLondonAuthorisedForisgfs UK LimitedLondonAuthorisedWepay Payments Ltd.LondonAuthorisedAirbnb Payments UK LimitedLondonAuthorisedMollie UK Ltd.LondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Cheddar Payments

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 13 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Cheddar Payments Limited FCA authorised?
Yes, Cheddar Payments Limited (FRN 940075) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2021 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Cheddar Payments’ phone number and website?
The FCA register lists the phone number 020 3389 8703 and the website cheddar.me for Cheddar Payments. If you were given different contact details, use these to check with the firm before going any further.
Is Cheddar Payments a scam or clone?
Cheddar Payments is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Cheddar Payments?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Cheddar Payments to the Financial Ombudsman Service, free of charge.
Who owns Cheddar Payments?
Cheddar Payments is owned by Cheddar Payments B.V., which holds 75–100% of shares, since 22 September 2020.
Who runs Cheddar Payments?
Companies House lists 2 directors of Cheddar Payments: Tariq Mohamed Zaid and Luke Anthony Ladyman.
How long has Cheddar Payments been in business?
The company was formed on 22 September 2020, and has held its current FCA authorisation since July 2021.
What do Cheddar Payments’ latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £652k (no earlier figure to compare) and cash at bank of £213k (+68% from £127k).
Does Cheddar Payments use any other names?
It trades as Cheddar, Cheddar.me and Dutch.

Sources and links

The full report on Cheddar Payments Limited

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